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How it works
Review
We analyze your statements for free.
Restructure
We negotiate directly with your processor.
Monitor
We protect your savings with monthly audits.
What is a Merchant Consultant?
Find out exactly what merchant consultants actually do.
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Industries We Serve
Automotive
Dealerships, repair shops, suppliers, and more.
Healthcare
Medical practices, dental offices, clinics, and surgeons.
Hospitality
From boutique properties to large-scale resorts and hotel chains.
Others
High Risk Processing, Property Management, International Businesses.
E-commerce
Online retailers and wholesalers.
Non profit
Charities, foundations, and 501(c) organizations.
Food & Beverage
Restaurants, bars, cafes, and franchises.
Government / Municipality
City Offices, County Services, Public Works, Building Departments.
Retail
Department Stores, Specialty Shops, Jewelry Stores.
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Book Consultation
Credit Card Processing
Elavon Fees Merchants Need to Watch Out For
March 2, 2026
Elavon is actually a fairly decent payment processor, and they aren’t nearly as egregious as other providers in terms of…
Cheapest Credit Card Processors (4 Real Examples)
February 23, 2026
Despite rapidly rising merchant fees industry-wide, cheap credit card processing still exists. But getting the cheapest rates depends on several…
Payment Gateway vs. Virtual Terminal
February 20, 2026
Payment gateways and virtual terminals are two of the most commonly confused terms in the credit card processing space. And…
Do You Need a Backup Payment Processor?
February 19, 2026
Key Takeaways: The recent Rectangle Health outage has caused chaos for businesses relying on this practice management bridge for payment…
Are Credit Card Surcharge Fees Worth It? The Data Says No
February 18, 2026
With rising merchant fees, many businesses have turned to surcharge programs to offset costs. The concept seems simple, and modern…
Illinois Credit Card Surcharging Laws (2026)
February 14, 2026
Illinois allows merchants to legally surcharge credit card transactions. For the most part these laws are pretty similar compared to…
Why Transparency is So Rare in Payment Processing
February 11, 2026
The credit card processing industry is unique in the sense that so many businesses have no idea what they’re actually…
How Your Business Type Affects Merchant Services Fees
February 5, 2026
On the surface, I think we can agree that every business should not be paying the same rate on credit…
True Costs of Per-Item & Per-Transaction Fees for Merchants
February 3, 2026
Most payment processors mark up every credit and debit card sale with two components: When combined, you're paying 0.15% +…
Shift4 Payments: Rate Increases, Fees, and Updates (2026)
January 29, 2026
Here at Merchant Cost Consulting, we’re always staying up to date with the latest updates, fees, and rate increases from…
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